Magar, S.; Basyal, D. K.; Lawaju, P.; Paudel, U. R.; Poudel, D. K. Determinants of Microfinance Adoption, Challenges Encountered, and Principal Solutions: An Empirical Analysis Using Theory of Planned Behaviour. J. Innov. Acad. 2023, 2 (2), 113-128. https://doi.org/10.3126/idjina.v2i2.59489.